Patty and I can now say, ‘Today’s the day!’ Over the last two years, we’ve been
utilizing the principles of the Financial Fitness Program, and we have been
implementing all kinds of principles into our lives, and now we finally see what the last
two years have done for us. Last year, we knocked out $27,000 of our debt. Today,
we knocked out the final $13,000 of our debt. And over the last two years, we’ve put
$15,000 away into a savings account. Now we can officially say that we have set
ourselves free from the Financial Matrix! We don’t owe a debt to anybody! Everything
is totally paid off! And this is all because of the Financial Fitness Program. Thank you so much!
Dave and Patty Deeg-Metz

Rachel and I have been able to pay off just under $19,000 of consumer debt that we
had gotten stuck with ever since the 2008-2009 crash; we’ve been trying to dig out of
that hole ever since! But due to bad thinking, we kept cycling through the debt and
not getting it fully paid off. Thanks to the Financial Fitness Program, we’ve been able
to fully wipe out that debt. The only thing we have left is our house, and we are so
excited to just start pounding on that as we develop a passive income stream in our
business! After our continued studies we realized that what we thought were assets were truly liabilities
working against us. We shuffled around our investments and sold one investment property and paid
off another $230,000 of debt that we previously considered an asset. Now we truly have assets working
in our favor. While the numbers are smaller, the gains are actually much larger and stable with little to
no risk. We are so grateful for the Financial Fitness Program and all that it has done for us. Absolutely
amazing! It took us 6 months of studying Financial Fitness to really put things in place and wipe out that
debt. We are so excited!!”
Spencer Haymond

I am so excited about the Financial Fitness Program! We just wrote the final check
for one of our loans and so far in this process, that makes it over $24,000 worth of
consumer debt that we’ve been able to pay off just by applying the principles we’ve
learned. We still have a ways to go, but this has made such a dent in our debtreduction
program! I just want to encourage everybody to stick with it! Even if it’s
inch-by-inch, just by applying these principles, we’re beginning to see that the power
of compounding is working in our favor.
Jean Tuomala

In 2007, when I retired from the navy, my wife and I were $483,000 in debt. We knew
that once I retired we had to do something, so we started chipping away at it, but
it was like chopping down an oak tree with a baseball bat! We really didn’t have
any direction, we just had a goal. Then we were introduced to all of this amazing
information in the Financial Fitness Program, and we just started getting to work. In
fact, just last week, we wrote our last check for $1,800 which eliminated the very last
bit of that $483,000. It’s all gone!! We are so excited! It’s like having a new lease on life, and we cannot
wait to see how far we can go and how many people we can help with all of this wonderful information
that we have. God bless!
Jim Croyle

Tracy and I have been married for 20 years, and during that time, we have always
carried some form of debt. At one point in our marriage, we found ourselves being
obligated to 20+ creditors and about $40,000+ in debt outside of our mortgage. But
because we decided to utilize the Financial Fitness Program and apply its principles,
we have been able to eliminate seven of the last eight creditors and the $25,000 that
we still had remaining from the original $40,000. However, we didn’t do that without
challenges; we had to buy a new car, we had to pay over $1,000 in home repairs, Tracy and I both had
medical outpatient surgeries that we had to pay as well. But if it were not for our coaches and mentors,
Tracy and I would have probably spent our entire life carrying that debt. We would have been stuck
square in the Financial Matrix; but now because of the Financial Fitness Program, we are able to spend
the rest of our lives chasing our dreams!
Joe Clark

I just want to say that the Financial Fitness Program is amazing. Because of this
information, last year, in December, it was the first time that we paid for all of our
Christmas presents in cash. And right now, I’m on my way to the bank to pay off
$5,000. I’m so thrilled that we were able to implement all of the principles into our daily
routine, and I’m so excited because I’m one step closer to paying off all of our debt!
Sandra Provis

On August 24, 2016, we paid off our last debt. We are completely and totally debt
free! Three years ago, we were $5,281,000 in debt and facing bankruptcy. Then, two
weeks later, September 2013, Financial Fitness came into our lives. We’ve applied
what we’ve learned through the principles of the Financial Fitness Program - we
budgeted our money, we saved, and we paid off the loans with the income we made
through Tom’s regular work. All the while, we were reading, listening and associating
with precious people like our mentors and friends and as a result, we own everything--we don’t owe a
bank anything, so we are ecstatic!
Tom and Pat Aul

After a little over a year and a half of applying the Financial Fitness principles into
our lives, we have paid off over $70,000 in debt, reduced our monthly expenses by
$1,000, and put 4 months of living expenses in the bank. This information has not only
changed our finances; it has changed every aspect of our lives for the better. We are
so thankful and blessed to have Financial Fitness in our lives.
Christina Kelso

On Tuesday, Carol and I were able to write our last check to a personal loan that we
had with a credit union. We are so excited about that because now all we have left
is our home mortgage. That means in the past 2.5 years we have eliminated $57,000
in credit card debt, 2 car loans, and the $15,000 personal loan. That’s the Financial
Fitness Program working at its best right there!
Luis Medina

My husband DJ and I really started applying the principles of the Financial Fitness
Program in November of 2014. We started our debt snowball by selling a costly truck
and purchasing an old van for cash and applying that payment to the snowball. Then,
we decided to ramp things up and we sold a rental home and a duplex that we owned.
Using the equity from that, we paid off about $230,000 worth of debt and have the
lowest monthly expenses we have ever had in our marriage. We also have two months
of expenses saved up. Unfortunately, we still have a student loan and a credit card left, but with the
money and knowledge we now have, those debts will be gone before we know it!!
Melissa Berezay

After I graduated from college, I had over $32,000 of student loan debt, $3,000 of
credit card debt and zero money in savings. I started the Financial Fitness Program
and have since gotten rid of the credit card debt, learned to pay myself first and I am
on track to paying off all my student loan debt in the next 2 years. Thank you to the
Financial Fitness Program for getting me on track to a better future.
Elizabeth Zmudzinski

My wife and I started the Financial Fitness Program in January of 2014. At the time,
our debt totaled roughly $163,000 to include our home. Student loans, personal loans,
auto loans, mortgage, medical bills, credit cards, energy efficient windows, you name
it, we financed it! Fast forward to today, we have one medical bill and our mortgage
left. In two years, with the income we were already making and going through a job lay
off, we still managed to pay off $43,000 of debt!!! The principles work if you work them!
We have set a goal of being completely out of debt by August 10th, 2018! I LOVE telling people this story
to help them start their journey towards financial freedom!
Brett Stephens

Persistence is paying off! Over the course of one week’s time, my wife was able to
reduce our mortgage from a 30-year to a 15-year loan and she cut our interest rate
from 6% to 2.75%. She also went through some credit reporting activity and found
that there was money on the table there—$360 coming back from a credit reporting
agency because they left stuff on my credit report that shouldn’t have been there! So
she cleaned that up. She also went in and got our car and home insurance reviewed.
We went from one company to another just by price-matching. That dropped our insurance down
$1,000 per year. And here’s the big one. She has found a way to get rid of our interest-bearing-debt and
our medical bills—$8,500 in one week—completely wiped out. My wife has become my Phoenix! She’s
following the Financial Fitness principles that she’s hearing all the time on the audios and it’s changing
our lives. Thank you!
Patrick Thatcher

We have been implementing the defense part of the Financial Fitness Program and
we were able to eliminate our first loan today. It was a small loan in the amount of
$4,500. I was able to go into the bank today and make the last payment on it. So now
I can take that amount and apply it to the next largest loan and just continue on the
path towards debt freedom.
John Lewis

I am fired up! In the past few months, Staci and I have managed to eliminate $25,288
in debt by applying the principles found in the Financial Fitness Program. Man, this
stuff works! All you have to do is just keep on applying those principles and the results
will follow!
Jason Locke

I’m so excited! About 12-24 months ago, I had put a $500 car repair on a credit card,
started paying it down a little bit, then graduation rolled around and I didn’t save up
for graduation so I had to put those expenses on a credit card. The balance had been
plaguing me month after month after month. Well—NOT ANYMORE! A couple of days
ago, I paid off this credit card and I just feel so FREE! That’s another Harvey coming
out of the Financial Matrix. We’re doing it as a family. It is difficult to be different and
to be disciplined, but it is TOTALLY worth it to be chipping away at my debt. I have a plan to be out of the
Financial Matrix within the next couple of years (before I’m 30) and I am so excited!! I don’t even know
how to express this because it is not the norm for my family.
Jasmine Harvey

Over the past month we have listened to the Financial Fitness audios and because
of what we are learning, we understand how to prioritize our finances and to get them
under control. We applied what we were hearing and were able to save about $17,000
this month in our budget. We have been able to get out from underneath that money
just by applying what Financial Fitness has helped us understand.
Jacquie Pippin

I wanted to provide some inspiration to people. I started my journey by reading the book in the Financial Fitness Program and putting the principles into practice and was able to pay off $28K of debt. I am so thankful for this program. You just do what you have to do. I had no extra room in my budget but I was still able to find a way to pay off this debt. I hope this inspires others to take the next step. Don’t give up. Don’t stop. Just get yourself free!
Evan Parsons

Since starting the Financial Fitness Program, we have been able to pay off two cars, eliminate our mortgage, pay off 3 student loans and all of our medical bills. We are so close to escaping the Financial Matrix that we can already taste the victory!!
Micah and Andrea Selves

In just a few moments, with the click of a computer key I will pay off my 2nd property 17 years early! I’m sharing this not because I did everything right, but simply because I did enough right to make this possible. 3-2-1….PAID OFF!!!
Gailyn Cornell

I wanted to give an update on how the Financial Fitness Program has made a difference in my life. 2016 was the year that I took control of my finances and I was able to pay off $10,500 worth of debt. The Financial Fitness Program is totally changing my life. I’m 24 years old and my wife is 23 and had we not started this program now, we would have been in a deep financial hole in the future. We are so blessed to be plugged into this information and we are now one step closer to our financial freedom!
Isaac Principe

My wife and I have been applying the Financial Fitness Program for a while now and we just had a major victory. We were able to pay off a $12K student loan. By paying off that student loan, it saved us $11,466 in interest!! That loan would have taken 172 more months to pay off if we were just making the minimum payment. By applying the principles of the Financial Fitness Program, we were able to save up enough money to write a check and pay it off completely and save ourselves all of that interest. Fired up!
Jeremy and Samantha Pethke

We love Financial Fitness! We came up with a mortgage pay-off challenge by coming up with a few steps. 1) The burning desire to become debt-free. We were sitting at $110K of debt (we’ve been able to cut that down to less than half now) and we are now within 12 months of being debt free! 2) Communication with your spouse. 3) Developing a budget and following the budget 4) We use a cash envelop system that helps us stick to our budget. 5) Patience. By following these steps we’ve been able to make a significant difference in both our relationship and our debt reduction.
Ryan and Becky Wooldridge

In the last 15 months, my wife Christina and I have been able to knock out $50,000 of debt, $40K of which came within the first year after going through the Financial Fitness Program. While we still have a ways to go with some student loans and our mortgage, it's reassuring to see the results and we have a plan be debt free in 5 years, compared to the 30 year plan we were on. The information we've learned has truly been life changing, and has had an impact far greater than anything else we could imagine. Between the information and the community of people we are involved with, we know we will be out of the Financial Matrix by the time we are 31 years old!
Chris Moore

The first month we applied the Financial Fitness Program we found $1,063.00 that we were able to keep! Fast forward only 9 months later...and as of today, Jaymie and I have 40 times the amount of money in savings than we did before we started digging into the Financial Fitness Program and beginning this journey. That equates to 3,500% increase from what we had previously in our savings account. On top of that, we are also buying out our partners in the business we own and since starting in Life we have paid $32,500.00 toward owning 100% of our business. That's just amazing! I can’t wait to see what God has in store for all of us in the future and where he is going to take us. We’re fired up!
Neil and Jaymie Brunskill

Looking back over 2016, we’ve paid off over $20K in student loan debt. We are both happy to say that as of January 2017, I’ve paid off my final student loan and I am officially debt free at 26 years old. Thank you for the ‘green box’ - we can’t get enough of it and you won't stop us from sharing it with the world!
Josh and Erin Emington

Because of the Financial Fitness Program and the awesome mentoring we have received, we are completely out of the Financial Matrix and officially debt free, including our home. The information that the Financial Fitness Program has provided has changed our thinking and allowed us to pay off over $55K of debt. Also, because we are now debt free, I (Kent) was able to retire early. We are so excited!
Kent and Bobbie Butters

So far, working with the Financial Fitness Program, we’ve been able to pay off close to $60K of debt in just over a year. We are so fired up!
Jeremy and Cynthia Adams

It’s payday and I am leaving the bank after making my last car payment! That means I am now able to put more money in my pocket every month. I’ve been following every single thing that the Financial Fitness Program teaches. Now I’m one step closer to getting out of the Financial Matrix! I cannot tell you what a blessing it is to have these financial principles in my life. I can’t wait to spread this information to everyone so that they, too, can live a debt-free lifestyle. Fired up!
Mykal Lue

I am so proud of my husband Tommie! He has gone through the Financial Fitness principles and has been able to eliminate our consumer debt of over $48K! We were able to pay off two of our creditors 26 months in advance- totaling around $13,210. The principles we have learned in the Financial Fitness Program absolutely work! I would suggest everyone to dig and get rolling.
Cassandra Mathis

Since starting the Financial Fitness Program, we have been able to pay off two cars, eliminate our mortgage, pay off 3 student loans and all of our medical bills. We are so close to escaping the Financial Matrix that we can already taste the victory!!
Micah and Andrea Selves

We picked up the Financial Fitness Program and started learning from the materials and applying the 47 principles and in less than 18 months we managed to eliminate just over $108K worth of debt!! The Financial Fitness Program works like a charm- even better than everybody says it does!
Bart and Amanda Biemond

Over the course of that last 24 months, Lindsey and I were completely focused on getting out of the Financial Matrix. I am super excited to report that we have eliminated over $320 of debt and we are now completely debt free! We can’t quite describe how amazing it feels; it’s just so awesome!
Kenny and Lindsay Cleveland

We started to implement the principles we were learning from the Financial Fitness Program and we are super excited to announce that we just wrote our last check that eliminated $55K of consumer debt in 9 months. We didn’t gain any additional income, we just gained a different way of thinking, prioritizing, and living. This debt elimination has decreased our outflow each month by 25%. We also (for the first time ever in our 16 yrs of marriage) have an emergency fund with 7 months preparation. Thank you so much to Financial Fitness for completely changing the course of our family’s future. We are looking forward to changing more family legacies with the Financial Fitness Program.
Christopher and Rebecca Durham

We have officially paid off all of our consumer debt outside of our mortgage in the last 6 months. That’s about $40,000! During those 6 months we also had to replace our stove and refrigerator, make major repairs to our furnace, and my husband was out of work for medical reasons without pay for 10 days. We never would have made it through all of that and eliminated our debt if it wouldn’t have been for the information we learned from the Financial Fitness Program.
Danny and Stephanie Homann

In 3 years, we started applying the Financial Fitness Program into our lives and paid off $232K worth of our debt! If it hadn’t been for the ‘Green Box,’ we wouldn’t be where we are at today. In fact, we were able to go to Florida for 2 months straight from January to February of 2016 and paid for the entire trip in cash. We had to pinch ourselves for that accomplishment because we would have never been able to do that a handful of years ago with both of us working full-time jobs. Also, by applying the principles into our lives, I (Terri) have been able to become job optional and help my husband, Rick, with our self-employed septic business on an as-needed basis. Most importantly, I can now be at home and do things like helping other people learn the same financial info, plus garden and read books and listen to audios anytime I want. Also, Rick is getting close to selling his septic business because of the Financial Fitness principles he has learned and applied.
Terri Swartout

Since the Green Box came into our lives, we have eliminated over $384,000 in debt. We had debt from a motorcycle, leased car, auto loans, personal loans, law suit, credit cards, time share, and two home mortgages! By applying the principles of the green box/Financial Fitness Program, we are down to two debts to pay off and then we will be 100% financially free. But with all we’ve eliminated so far, we are well on our way to being out of the Financial Matrix for good.
Marty and Melanie Schmucker

At first we started going through the Financial Fitness Program principles loosely and we never recorded any of our results. But, eventually we decided to get completely and fully committed to the Financial Fitness Program and we found that we had $426 a month that the ‘Green Box’ saved us from spending. That monthly savings doesn't even include the amount of money that Alicia and I saved when we switched from eating fast food to actually buying groceries and meal planning at home. That number may be close to $700+ saved monthly, but we haven't crunched those numbers yet. Basically that $426 was wasteful spending outside of our meals. Now we have a testimony that we can share with others!
Anthony Parker

We were $10K in debt and we didn’t have any hope for our financial future; we also weren’t on the same page financially as a couple. As we started going through the Financial Fitness Program, we were inspired to start applying the new information into our lives. After going through the ‘Green Box’, we found around $700 extra to invest in ourselves and our business, and have been able to save 10% of our income. Right now we are debt free! Also, by next month we will have our emergency fund complete. Without the information from the Green Box, we would have been trapped in the Financial Matrix forever.
Jared and Aleks Ervin

One of the greatest lessons I’ve learned in life is that applying the right information in your life will bring you the right results. The Financial Fitness Program taught me the truth about finances that I never learned growing up, and I’m more than grateful for being introduced to this information at the age that I was! I always thought that I was better than average with the management of my finances, but my continuous lack of results in the right direction was a smack in the face. The ‘Green Box’ eventually showed me that I had some things to learn. Talk about a piece of humble pie! When the Financial Fitness Program was introduced to me I was going to school full-time and working 2 part-time jobs, living paycheck to paycheck and neglecting my savings account. At the time I hated spending money but still rewarded myself with things that I wanted because I felt I had deserved it with all the hard work I’d been putting in. I always had just enough money to pay my bills and whatever was left went into the ‘I Deserve It’ fund. I was always thinking and stressing over money! I tried to pack as many labor hours in the day as possible just to get more of it, and consequently it was taking a huge toll on the health of my mind and body. Eventually, I had some close friends and family tell me I was burning the candle at both ends and needed to go get tested for depression and anxiety, and when I did my results were through the roof! I had the highest anxiety levels possible – this ‘money thing’ was literally killing me - and I was only 20!! So far, after just over 8 months, I’ve paid off over $7,000 in debt including credit cards and personal loans and I’m just a couple months shy of paying off my car loan. I’ve put several thousand dollars in my savings account and in an emergency fund (I promise the pillow is softer now!), whereas before I could hardly keep a balance in any account! I’ve also accumulated hundreds of dollars in gold! I no longer live paycheck to paycheck or battle with depression or high anxiety levels, and I feel so much more secure in my finances! Whereas before I dreaded waking up the next day to have the ‘money thing’ eating away at me yet again, now I’m so excited for the future and I’m just getting started! I also haven’t increased my income at all, in fact I actually left my second job; all I’ve done is applied the information I’ve learned from the ‘Green Box’ into my life. I can’t wait to share my testimony of what this powerful information is doing in my life with even more people because this program offers hope to everyone, and best of all… IT WORKS!!
Joshua Rickards

We are excited to report that we just paid off $5,391.08 of debt and we are so excited! We had such bad financial thinking before getting our hands on the Financial Fitness Program. At one point, looking back thru our past experiences, we had even doubled our income and we were still living paycheck to paycheck! But because of the program, we were able to pay off a car a couple of years ago and now we paid this loan off and we’re working our way towards escaping the Financial Matrix.
Malissa and Chris Betz

I’m so excited! I have paid off $12,941.79 of debt so far. All I have left are my student loans and a remaining car balance. Getting the information from the Financial Fitness Program and applying it into my life has made a great difference. Thank you!
Jasmine Bailey

We are fired up to report that as of March 2nd, 2017, the Melton family arrived at their independence day! We wrote our last checks to get out of debt and we are now 100% out of the Financial Matrix. We are so excited about that! We got our hands on the Financial Fitness Program last March and over the last 12 months we’ve paid off over $45,000 of debt and we recovered $1,200 a month that was going out into the matrix to pay off the debts we had. That $1,200 a month now can be used towards furthering our family’s future, our purpose, and the Kingdom of God.
Josh Melton

Back in 2010, Donna and I were $242,000 in total consumer debt and we had a goal to eliminate all of that debt by Dec 31st, 2016. However, we missed our goal. BUT, thanks to the principles we have learned in the Financial Fitness Program, as of Friday, April 7th, 2017, we are 100% debt free! What an awesome feeling!
John and Donna Kraft

I've owned a traditional business since 2003. In 2014, one of my business partners handed me the Financial Fitness program and I began to listen to the audios in my car. As of 2017, my wife and I have paid off over $175,000 in debt, with the goal of totally paying off our home in the next 18 months. Getting rid of that debt has been great for our peace of mind, as well as our marriage! If you own any type of business, the Financial Fitness concepts will help you reduce costs and build your profit margins, and if you apply those same concepts to your household finances you will double your effectiveness. When your business is debt-free you'll have more options, and if your business volume is volatile you won't have the stress of debt payments if revenues go down. I would encourage anyone with debt to check out the Financial Fitness program. My wife and I will pay off our 4 bedroom home before my 45th birthday, and anyone can do what we did!
Ben and Rachel Alexander

Since December of 2016, I have been following the Green Box principles and I’ve been on a strict budget as well as investing in my business and I have saved about 20% of my monthly income. I went from broke to tightwad and now I’m on my way to financial freedom!
Lyn Leffel

I am so stinking excited about this Green Box!!! It has changed everything in our lives! When we were introduced to the Financial Fitness Program, we were in graduate school and running head-long into the Financial Matrix. The very thing the Green Box did for us was stop us in our tracks, and we haven't accrued anymore debt since- which is FIRED UP! Then we learned how to pay less in taxes, invest in ourselves, and give ourselves a 30% raise at work!! Then, in 7 weeks time, we have one months worth of savings and have paid off over $10,000 of debt!!! This is only the beginning for the Smith family. The Green Box revolution has just begun.
AJ and Emily Smith

I wanted to let everyone know how wonderful the Financial Fitness Program is! By applying the “pay yourself first” principle, we found almost $600 a month that was leaking out of our budget and we’ve now applied that extra money towards funding our business investment and products. We have also paid off 3 creditors and have paid off over $5,000 worth of debt just since August of 2016. This is an encouragement to everyone out there! If we can do it, you can too and it’s making a marvelous difference in our lives!
Tim and Krysla Folsom